This post is sponsored by U.S. BANK and Kroger.
In order to easily track our expenses throughout the month, my husband and I both use our rewards credit cards for almost all of our purchases. Yes, we could use cash envelopes and yes, we could use our debit cards, but we like to get the rewards at the end of the month. We don't spend money that we don't have budgeted, and we pay our bill in full at the end of each month to avoid paying finance charges. It won't make us rich, granted, but every little bit helps.
Especially, when you can use your rewards to save on something that everyone needs - groceries! With the Kroger REWARDS Visa card, you can earn points from your shopping that converts into dollars off your groceries. It may not be as much fun as a trip to Tahiti using rewards miles, but it's much more practical for our family.
When you use your Kroger REWARDS Visa card, you get 3 points for every qualifying net dollar you spend on Kroger family of brand products, 2 points per qualifying net dollar when you shop at the Kroger family of stores, and 1 point per dollar when you shop anywhere else. Every 1,000 points equals $5 off your groceries, and you will get rewards certificates four times per year - in February, May, August and November.
You can use the Rewards Calculator to see how much you could potentially save on your groceries each year. As an example, I could earn $25 in grocery savings each quarter ($100 per year) if I spent $650 outside of Kroger stores each month (earning 1 point per dollar), $500 on groceries at Kroger each month (earning 2 points per dollar), and $100 per month on Kroger brand products (earning 3 points per dollar).
Plus, as a Kroger REWARDS Visa cardholder, you’ll save an additional $0.25 per gallon of fuel (for one year) each time you redeem 100 Fuel Points (which you earn just by shopping at Kroger with your Kroger Plus card) - so you can save even more money on both groceries and fuel.
*Earn points on net spend toward free groceries, excluding purchases made at The Kroger Family of Companies Fuel Centers. Net spend is purchases minus credits and returns. Rewards certificates cannot be redeemed at Fuel Centers. Rewards sent automatically only to balances greater than or equal to 1,000 points, if your Account is open and in good standing.**Offer applies to new cardholders only. Discount is available at The Kroger Family of Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem points and pay with your Kroger REWARDS Visa® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at The Kroger Family of Companies Fuel Centers when they scan, redeem points and pay with their Kroger REWARDS Visa®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchase prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards points. Please see store for fuel discount details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.The creditor and issuer of the 1-2-3 REWARDS® Visa® Card is U.S. Bank National Association, pursuant to a license from Visa® U.S.A. Inc.
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